Kontokaardid

Kontokaardid, often referred to as debit cards, are plastic cards linked directly to a user's bank account. When a purchase is made using a kontokaart, the funds are immediately deducted from the associated account. This contrasts with credit cards, which allow users to borrow money and repay it later. Kontokaardid are widely used for everyday transactions, including purchases at retail stores, online shopping, and withdrawing cash from ATMs. The primary advantage of a kontokaart is that it prevents overspending, as transactions are limited by the available balance in the linked account. They typically feature a magnetic stripe and a microchip for secure transaction processing. Many kontokaardid also bear the logo of a major payment network, such as Visa or Mastercard, which determines where the card can be used globally. To obtain a kontokaart, individuals generally need to open a checking or savings account with a financial institution. Lost or stolen kontokaardid should be reported to the issuing bank immediately to prevent unauthorized transactions.